Disability Income✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
A disability income rider differs from a waiver-of-premium rider in that the disability income rider:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The waiver-of-premium rider provides that the insurer will waive, or excuse, premium payments if the insured becomes totally disabled, so the life policy remains in force without premium outlay during the disability. A disability income rider, by contrast, pays a monthly income benefit to the insured during total disability. One preserves the policy; the other replaces income. Both are commonly added to life policies, but they answer different client needs, and agents must distinguish them when recommending coverage.
Why the other options are wrong
- B) A disability income rider generally covers disability from both accident and sickness, not only accidents.
- C) The rider does not replace the death benefit; the life policy's death benefit remains payable.
- D) There is no standard age-65 trigger for the rider's benefits; disability onset is the trigger.
Memory hook
Waiver of premium: the bills pause. Disability income rider: the money flows. Both help; they help differently.